Sewa vs Beli
Patutkah anda menyewa atau membeli? Bandingkan kos bersih sebenar kedua-duanya mengikut tempoh anda menetap — termasuk ekuiti rumah, kenaikan nilai, dan pulangan jika anda melaburkan wang pendahuluan.
Membeli
RM
%
%
%
RM
Menyewa
RM
%
Andaian
%
%
Keputusan
Membeli lebih murah
sebanyak kira-kira RM147,154.47 dalam 10 tahun
Kos bersih — beliRM64,447.00
Kos bersih — sewaRM211,601.47
Ansuran bulananRM2,046.83
Ekuiti rumah di akhirRM292,172.26
Nilai hartanah di akhirRM671,958.19
Jumlah sewa dibayarRM247,619.79
Andaian
- • Net cost of buying = down payment + buying costs + mortgage paid + ownership costs − home equity built.
- • Net cost of renting = total rent paid − investment growth on the cash a buyer would tie up.
- • Excludes selling/agent fees and tax effects. Monthly cash-flow differences are not reinvested.
Anggaran sahaja — hasil bergantung banyak pada andaian anda (kenaikan nilai, pulangan, kenaikan sewa). Bukan nasihat kewangan.